Ms Anne Marie McKiernan:

There is a series of issues to address in the Deputy's question. Let us first take restructuring. The sector has greatly embraced the need for restructuring, as set out in the report of the Commission on Credit Unions in 2012. The sector adapted and availed of the restructuring board, ReBo, facilities and funding, and we congratulate and have welcomed the sector's efforts in this regard. However, taking on mergers is the first step, and the second step is to derive benefits from the larger scale that merged entities should enjoy. The type of benefits that should be focused on are cost efficiencies and the use of the additional scale to drive out business model development in a prudent and risk-managed way. This will give the opportunity to-----